Indexed UL Accumulation II

• Three account options:
  • S&P 500^® Price Return index-linked account (one-year point-to-point)
  • S&P 500^® Price Return High Cap index-linked account (one-year point-to-point)
  • S&P 500^® Total Return index-linked account (one-year monthly average)
  • Fixed account
• Choice of standard or alternate loans
• Accumulated value enhancement feature that provides a bonus to boost long-term values
• High early cash surrender values available for businesses via optional rider
• Three death benefit options
• Automatic trigger of over-loan protection
• Living benefits provided through accelerated benefit riders for chronic illness and terminal illness

Ideal prospects:

• Insured ages 35-55
• Have a need for protection and growth
• Business owners and key employees

• Issue ages: 20-85: Maturity: Age 121
• Standard and Preferred Tobacco, and Standard, Super Standard and Preferred Non-Tobacco risk classes
• No-lapse guarantee (issue age/NLG duration):
  • 20-75/10 years
  • 76/9 years
  • 77/8 years
  • 79/6 years
  • 80-85/5 years
• Cash Value Accumulation Test or Guideline Premium Test
• Death benefit options 1, 2, and 3 available
• Interest crediting guaranteed minimum rates:
  • S&P 500^® Price Return, S&P 500^® Price Return High Cap, and S&P 500^® Total Return index-linked accounts:
  • • Participation rate – 100%
    • Cap rate – 3%
    • Floor rate – 0%
  • Fixed account and short-term holding accounts – 1%

For more information about IUL Accumulation II, go to:

• Product Profile (BB11877)
• Product Guide (BB11928)
• Interest Rate History

Key materials listed below.

An Introduction to IUL Insurance (BB11839)
Help clients understand what IUL insurance is and how it works.
View (PDF) • Order

Consumer Approach Brochure (BB12315)
Demonstrate to a client the features and benefits of IUL Accumulation II.
View (PDF) • Order

Term or Permanent Insurance? (BB12102)
Use this one-pager to help clients understand the difference between the two types of coverage. Included is an easy decision tree to help them think about needs.
View (PDF) • Order

Key materials listed below.

Product Profile (BB11877)
Learn more about the product details, target market, consumer-friendly features, and account options for IUL Accumulation II.
View (PDF) • Order

IUL Sales Guide (BB11913)
Provides a brief introduction of our IUL portfolio, highlights of the many attractive features that power our two IUL products, and illustration tips.
View (PDF) • Order

IUL Accum Index-Linked Account Comparison (BB12663)
Offers comparison of S&P 500^® Price Return, S&P 500^® Price Return High Cap, and S&P 500^® Total Return index-linked accounts.
View (PDF) • Order

Product Guide (BB11928)
Get detailed information and product specifications for IUL Accumulation II.
View (PDF) • Order

Retirement Planning with Life Insurance Flyer (BB11914)
Show clients the tax efficiency of life insurance and how it can help them accumulate a little more for retirement.
View (PDF) • Order

Automated Distributions Flyer (BB11940)
This is a competitive feature of our accumulation-focused life insurance products. Learn how distributions activate and what happens.
View (PDF) • Order

Materials approved for use with consumers

Chronic Illness Rider Consumer Brochure (BB10935)
Explains how life insurance can provide access to funds before death in the event of a chronic illness.
View (PDF) • Order

Chronic Illness Rider Consumer Brochure - California (BB10935CA)
California-only version of consumer brochure.
View (PDF) • Order

Chronic Illness Promotional Flyer (BB11961)
A quick look at the benefits of this no-cost rider.
View (PDF) • Order

Cost of Living Increase Rider Flyer (BB12168)
Explains how the policy coverage can increase over time to keep up with increases in every day expenses.
View (PDF) • Order

Life Paid-Up Rider Flyer (BB12012)
Explains how this rider can help consumers enjoy the tax advantages of life insurance by keeping their policies from lapsing.
View (PDF) • Order

Materials approved for producer use only

Chronic Illness Rider Producer Email (LF1029)
Highlights how this rider can help protect clients in the event of a health surprise. 
View (OFT)

Chronic Illness Rider Training Guide (BB11960)
Provides details such as availability, eligibility, requesting a claim, and cost. Also compares it to long-term care riders. 
View (PDF) • Order

Chronic Illness Rider Approvals: Available in all states except CT* and NY

*The rider is available in CT only with IUL Flex II.